Gavop's guide to buying homeowners insurance in River Rouge, MI covers how to get the right coverage, optimize deductibles, identify the best agents, understand claim requirements, avail discount options, compare cheap quotes and research reviews.
| Bedrooms | Average Home Value | Estimated Replacement Value | Recommended Home Insurance Coverage |
|---|---|---|---|
| 1 Bedroom | $25,000 | $20,000 | $25,000-$50,000 |
| 2 Bedroom | $55,000 | $50,000 | $50,000-$75,000 |
| 3 Bedroom | $105,500 | $100,000 | $100,000-$125,000 |
| 4 Bedroom | $97,500 | $90,000 | $100,000-$125,000 |
| 5 Bedroom | $97,500 | $90,000 | $75,000-$100,000 |
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$107 | $655 |
| Superior Protection Discount | -$69 | $693 |
| Fire & Security Discount | -$76 | $686 |
| Hail Resistant Roof Discount | -$23 | $739 |
| Newly Constructed Home Discount | -$190 | $571 |
| Low Deductible ($500) | High Deductible ($2500) | |||||
|---|---|---|---|---|---|---|
| Place | Example Claim Amount | Yearly Premium | Total Yearly Cost | Yearly Premium | Total Yearly Cost | Net Savings for High Deductible Plan |
| Wayne County | $1,000 | $679 | $1,679 | $493 | $1,493 | $185 |
| River Rouge, MI | $1,000 | $753 | $1,753 | $547 | $1,547 | $206 |
| Taylor, MI | $500 | $659 | $1,159 | $479 | $979 | $180 |
| Garden City, MI | $2,500 | $644 | $3,144 | $468 | $2,968 | $176 |
| Huntington Woods, MI | $400 | $908 | $1,308 | $660 | $1,060 | $248 |
| Bloomfield charter, MI | $2,000 | $930 | $2,930 | $676 | $2,676 | $254 |
| Frenchtown, MI | $400 | $694 | $1,094 | $504 | $904 | $190 |
| Detroit Beach, MI | $700 | $708 | $1,408 | $515 | $1,215 | $194 |
| Rochester Hills, MI | $400 | $911 | $1,311 | $662 | $1,062 | $249 |
| Rochester, MI | $1,500 | $793 | $2,293 | $576 | $2,076 | $217 |
| Bruce, MI | $300 | $757 | $1,057 | $550 | $850 | $207 |
| Summerfield, MI | $700 | $805 | $1,505 | $585 | $1,285 | $220 |
| Home Insurance Company River Rouge, MI | Homeowners Insurance Agency River Rouge, MI | Address | Popularity Score | Distance from River Rouge (miles) |
|---|---|---|---|---|
| State Farm | Bob Zakar | 936 N Telegraph Rd, Dearborn, MI, 48128-1621 | 8.2 | |
| Allstate | Scott Cunningham | 17405 Fort St, Riverview, MI, 48193 | 7.2 | |
| Allstate | John Drewniak | 7226 Park Ave, Allen Park, MI, 48101 | 4.6 | |
| State Farm | Ed Lazar | 18352 Mack Ave, Grosse Pointe, MI, 48236-3219 | 14.2 | |
| State Farm | Bert Kozlowski | 16260 King Rd, Riverview, MI, 48193-7940 | 9.5 | |
| Allstate | Leandra Champnella | 24234 Michigan Ave, Dearborn, MI, 48124 | 7.9 | |
| State Farm | Brad Baynai | 16121 Eureka Rd, Southgate, MI, 48195-2943 | 7.2 | |
| State Farm | Kathy Loveridge | 13344 Dix Toledo Rd, Southgate, MI, 48195-1850 | 5.8 | |
| State Farm | Kevin Visintainer | 6721 Park Avenue, Allen Park, MI, 48101-2033 | 4.5 | |
| Travelers | New York Life Employees | 4 Parklane Blvd Ste 414, Dearborn, MI, 48126 | 5.5 |
| Place | Typical Home Value | Typical Home Insurance Costs | 25th Percentile | 75th Percentile | Potential Savings & Difference between 25th & 75th Percentile |
|---|---|---|---|---|---|
| Michigan | $136,400 | $775 | $560 | $1,090 | $530 |
| Wayne County, MI | $92,400 | $687 | $470 | $950 | $480 |
| River Rouge, MI | $34,800 | $762 | $510 | $1,070 | $560 |
| Taylor, MI | $81,200 | $667 | $450 | $940 | $490 |
| Garden City, MI | $88,300 | $652 | $450 | $930 | $480 |
| Huntington Woods, MI | $321,400 | $919 | $670 | $1,270 | $600 |
| Bloomfield charter, MI | $385,400 | $941 | $680 | $1,300 | $620 |
| Frenchtown, MI | $122,300 | $702 | $510 | $1,000 | $490 |
| Detroit Beach, MI | $97,900 | $717 | $520 | $990 | $470 |
| Rochester Hills, MI | $264,400 | $923 | $660 | $1,300 | $640 |
| Rochester, MI | $333,000 | $803 | $570 | $1,110 | $540 |
| Bruce, MI | $235,900 | $766 | $530 | $1,080 | $550 |
| Summerfield, MI | $166,000 | $815 | $560 | $1,130 | $570 |